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Indiana SR-22 & High-Risk Auto Insurance

Indiana requires 25/50/25 liability coverage and is an at-fault state.

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Indiana at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Indiana

Drivers with DUI convictions, multiple violations, license suspensions, or uninsured accidents typically face SR-22 filing requirements from the Indiana Bureau of Motor Vehicles (BMV). The SR-22 filing period lasts 3 years from the date of reinstatement, and any lapse triggers a restart of the entire requirement period. High-risk drivers should carry coverage above state minimums, as liability-only policies at 25/50/25 leave significant personal exposure after at-fault accidents.

Liability Insurance

Indiana's minimum 25/50/25 liability limits are mandatory for all drivers and serve as the foundation for SR-22 filings. The Indiana BMV requires your carrier to file SR-22 electronically within 30 days of policy activation; delays can extend your suspension period.

SR-22 Insurance

SR-22 is not separate insurance but a certificate your carrier files with the Indiana BMV proving continuous coverage. If your policy lapses for any reason during the 3-year requirement, the BMV receives an SR-26 cancellation notice within 10 days, your license is suspended immediately, and the 3-year clock restarts from zero when you refile.

Uninsured Motorist Coverage

UM/UIM coverage protects you when an at-fault driver has no insurance or insufficient limits, which is critical if you're already paying elevated premiums and cannot afford out-of-pocket medical costs.

Full Coverage

Full coverage combines state-required liability with comprehensive and collision protection for your own vehicle.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI, suspended licenses, lapses, and multiple violations.

What Drivers Pay in Indiana

$202–$234/mo

Typical monthly rate in Indiana, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • SR-22 filing duration remaining: carriers price higher risk in year 1, moderate in year 2–3
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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Required for SR-22 filing and the legal foundation of any Indiana auto policy.

SR-22 Insurance

Certificate filed by your carrier with the Indiana BMV proving continuous coverage. Required for DUI, suspensions, and uninsured accidents.

Non-Standard Auto Insurance

Specialized policies for drivers declined by standard carriers due to DUI, violations, lapses, or SR-22 requirements.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient limits. Optional in Indiana but critical for high-risk drivers with elevated premiums.

Full Coverage

Liability plus comprehensive and collision. Required by lenders and recommended for vehicles worth more than $5,000.

Collision Coverage

Covers damage to your vehicle in an at-fault accident. Paired with comprehensive to form full coverage.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban